Broadway Financial Corporation (BYFC) vs Pathfinder Bancorp, Inc. (PBHC)

Broadway Financial Corporation and Pathfinder Bancorp, Inc. are both Banks Regional companies. Broadway Financial Corporation and Pathfinder Bancorp, Inc. are of similar size ($106.9M and $105.6M). Broadway Financial Corporation has negative trailing earnings, so its P/E is not meaningful; Pathfinder Bancorp, Inc. trades at 836×. Broadway Financial Corporation grew revenue faster over the last twelve months: 8.03% against −8.03%. Pathfinder Bancorp, Inc. has the higher net margin (0.20% vs −34.6%) and the lower return on invested capital (−1.09% vs 1.45%). Across the 16 metrics below, Pathfinder Bancorp, Inc. leads on 12 and Broadway Financial Corporation on 4.

Valuation

Metric BYFC PBHC Banks Regional median
P/E n/m 836.00 12.02
P/S 1.45 1.33 2.36
P/B 0.89 0.83 1.23
Price to free cash flow 16.17 9.52 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (23.52%) 0.12% 8.21%
Free cash flow yield 6.18% 10.50% 9.23%

Profitability

Metric BYFC PBHC Banks Regional median
Gross margin 56.06% 61.13% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin (34.62%) 0.20% 18.82%
Free cash flow margin 9.00% 13.98% 17.97%
Return on equity (19.24%) 0.13% 10.28%
Return on assets (1.69%) 0.01% 1.13%
Return on invested capital 1.45% (1.09%) 8.45%

Growth

Metric BYFC PBHC Banks Regional median
Revenue growth (TTM) 8.03% (8.03%) 6.37%
EPS growth (last fiscal year) (8,175.00%) (157.63%) 18.85%
Revenue growth, 5-year CAGR 27.55% 10.07% 12.65%
Net income growth, 5-year CAGR 0.00% 0.00% 9.81%

Health

Metric BYFC PBHC Banks Regional median
Debt to equity 0.36 0.07 0.17
Current ratio 0.98 0.69 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BYFC PBHC Banks Regional median
Dividend yield — 2.39% 2.49%
Payout ratio — 20.00 0.29

Size

Metric BYFC PBHC Banks Regional median
Market cap 106.89m 105.64m 934.85m

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